Claims

What can I claim on pet insurance?

Q: What can I claim on pet insurance?

We cover more types of injuries and illnesses than any other provider — everything from cuts and upset stomachs to ACL ruptures and heart disease. But we also cover things that other providers charge extra for or don’t cover at all, like injury and illness in every adult tooth and the gums, breed-specific issues (think breathing problems in Frenchies or kidney stones in Burmese), and even the exam fees you pay every time you go to the vet for a sick visit. And it’s all standard, no riders or add-ons required. As for what we don’t cover: Routine and preventive care is not covered. Pet insurance covers future accidents and illnesses — the stuff you can’t see coming. We don’t currently cover routine and preventive care, like vaccinations or checkups. Pre-existing conditions are not covered. A pre-existing condition is anything that happened before you enrolled or during the waiting period. We cover new injuries and illnesses that occur after the waiting period is over.

Fetch covers more types of injuries and illnesses than other providers — from cuts and upset stomachs to ACL ruptures and heart disease. We cover what other providers charge extra for or don’t cover at all, including injury and illness in every adult tooth, breed-specific issues (think breathing problems in Frenchies or kidney stones in Burmese) and even the exam fees you pay every time you go to the vet for a sick visit.

Add Fetch Wellness, and you'll also be covered for the routine care that helps keep your pet healthy (think: checkups, vaccinations and neutering or spaying).

Pre-existing conditions are not covered. Like other pet insurance providers, we don’t cover pre-existing conditions. This is any condition that your pet shows signs of, or occurs before you enroll or during the waiting period of up to 15 days.

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This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2024 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. MarketWatch, NerdWallet, Forbes Advisor and Rover are Fetch partners. Unmatched according to The Dodo, May 2022.

Fetch is a registered trademark owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.

What can I claim on pet insurance?

Fetch pays back up to 90% of unexpected vet bills

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